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Jack Joyce

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But, we see a continuing effort by schools and the federal government to keep tuition costs down.

When I speak to groups of parents of young kids, they mostly want to develop strategies for qualifying for financial aid and the unfortunate part is if they haven't saved anything, they may discover that aid will mostly be in the form of loans.

One of the problems we've experienced is dealing with parents who want to start paying for their child's education when they're juniors and seniors in high school. The College Board has tried to develop, through our web site, extensive planning tools such as a free scholarship locator and current college tuition costs.

I don't know how this is being discussed at the federal level, but the word in the financial aid community is that 529s will be recorded as the parent's assets and assessed the same way as any other asset.

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